The worst places to rent in America

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Unless you're in the 1 percent, you don't want to live in these neighborhoods.

A one-bedroom apartment in New York City’s Penn Plaza typically costs more in a year than most Americans make: $53,280.

That’s according to Apartments.com, which released a list Wednesday of the 14 most expensive neighborhoods to rent in — and the cheapest alternatives in the same metro area.

“For those renters who are more flexible and don’t want to break the bank each month on rent,” the rental listing site says, you can move to Harlem instead. You’ll save two-thirds!

You may find that more funny than helpful, but it’s definitely interesting. (We’ve got better advice to save on rent here.) Here’s the full list of the worst places to rent…

New York City: Penn Plaza / Garment District – $4,440

New York City: DUMBO (Down Under the Manhattan Bridge Overpass) – $4,023

San Francisco: Yerba Buena – $3,643

Boston: Government Center – $3,782

Oakland/Emeryville, CA: Golden Gate – $2,695

Palo Alto, CA: Crescent Park – $3,157

Great Neck, NY (Nassau County): Great Neck Plaza – $3,223

Jersey City, NJ: Historic Downtown – $3,068

Newport Beach, CA: Newport Center – $3,133

San Diego, CA: Harborview – $2,206

Queens, NY: Hunters Point – $2,811

Washington DC: Foggy Bottom / GWU / West End – $2,662

Pasadena, CA: Southwest Pasadena – $2,957

Philadelphia: Rittenhouse Square – $1,860

If you noticed the prices aren’t in order with the rankings, that’s because the site’s methodology is complicated. All you really need to know is that the prices are for one-bedroom apartments, and that places where a larger percentage of income is spent on housing were ranked higher.

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Our takeaways: Even the cheapest place on this list costs twice the national average rent of $939. And the cheapest apartments in San Francisco — $2,357 a month in the 94132 zip code — still outrank several of these ultra-pricy neighborhoods.

But if you’re in the top 1 percent of American earners (cutoff: $389,000 a year) even a Penn Plaza apartment is under 14 percent of your income.